IMHO, the most prudent thing an investor can do during these uncertain times (hey, when do we EVER have CERTAINT times?) is to have an extremely simple, cheap as possible, but widely indexed portfolio, (i.e. X%BND/X%VT and maintain asset allocation thru thick and thin.

New money is added to the part that's relatively skinny (usually fixed income). Withdrawals are from the part that's relatively fat (usually stocks).

Emotion and thinking are taken out of the equation. It's automatically forces you to buy low and sell high. It's simple. Over the long run you will be in AT LEAST the top 85% of all investors.

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